United Bank of Michigan
United Bank of Michigan received 504 applications in 2025 and made 345 mortgages, in 36 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $235,000. Of 407 decisions, 60 were denials — 14.7%.
| Legal Entity Identifier | 2549004W2JKWS6P17T44 |
|---|---|
| Applications received | 504 |
| Mortgages made | 345 |
| Denied | 60 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 97 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: United Bank of Michigan, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 211 | Not published | $265,000 | 12.4% |
| Refinancing | 57 | Not published | $215,000 | 7.9% |
| Cash-out refinancing | 35 | Not published | $155,000 | 32.7% |
| Other purposes | 42 | Not published | $95,000 | 16.0% |
Where United Bank of Michigan lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kent County, MI | 103 | Not published | 15.6% |
| Ottawa County, MI | 96 | Not published | 3.0% |
| Allegan County, MI | 81 | Not published | 14.6% |
| Barry County, MI | 18 | Not published | 18.2% |
| Muskegon County, MI | 10 | Not published | 23.1% |
| Ionia County, MI | 5 | Under 10 loans | 25.0% |
| Montcalm County, MI | 5 | Under 10 loans | 28.6% |
| Newaygo County, MI | 5 | Under 10 loans | 16.7% |
| Kalamazoo County, MI | 3 | Under 10 loans | 25.0% |
| Oakland County, MI | 3 | Under 10 loans | 0.0% |
| Oceana County, MI | 2 | Under 10 loans | 0.0% |
| Van Buren County, MI | 2 | Under 10 loans | 50.0% |
| Benzie County, MI | 1 | Under 10 loans | 0.0% |
| Berrien County, MI | 1 | Under 10 loans | 0.0% |
| Cass County, MI | 1 | Under 10 loans | 0.0% |
| Clinton County, MI | 1 | Under 10 loans | 0.0% |
| Eaton County, MI | 1 | Under 10 loans | 0.0% |
| Emmet County, MI | 1 | Under 10 loans | 0.0% |
| Gladwin County, MI | 1 | Under 10 loans | 0.0% |
| Leelanau County, MI | 1 | Under 10 loans | 0.0% |
| Mason County, MI | 1 | Under 10 loans | 0.0% |
| Midland County, MI | 1 | Under 10 loans | 0.0% |
| Otsego County, MI | 1 | Under 10 loans | 0.0% |
| Washtenaw County, MI | 1 | Under 10 loans | 0.0% |
| Alger County, MI | 0 | Under 10 loans | 100.0% |
| Antrim County, MI | 0 | Under 10 loans | 100.0% |
| Calhoun County, MI | 0 | Under 10 loans | 100.0% |
| Hillsdale County, MI | 0 | Under 10 loans | 100.0% |
| Isabella County, MI | 0 | Under 10 loans | Not published |
| Kalkaska County, MI | 0 | Under 10 loans | Not published |
| Lenawee County, MI | 0 | Under 10 loans | Not published |
| Marquette County, MI | 0 | Under 10 loans | 100.0% |
| Mecosta County, MI | 0 | Under 10 loans | 100.0% |
| Shiawassee County, MI | 0 | Under 10 loans | Not published |
| Wayne County, MI | 0 | Under 10 loans | 100.0% |
| New York County, NY | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.